Denied claims / Tile or historic
Tile roofs are expensive, so insurers look hard for reasons to pay for a few tiles instead of a roof. Cracked tile gets called old, and "just replace the broken ones" ignores whether matching tile even exists.
These are the denial and underpayment reasons we see most on clay, concrete and historic tile roofs.
The adjuster says broken tiles were cracked before the storm, from foot traffic, settling or age.
What we do: Fresh breaks look different from old ones: clean, unweathered edges and no dirt or growth in the crack. We photograph each one close up and tie them to the storm date.
The insurer pays to swap out the broken tiles, even when matching tile can't be found or the old tile breaks when you walk it.
What we do: We document how many tiles break during a careful repair, and source matching tile. If no match exists, that goes in the repair scope.
Leaks under tile get blamed on old underlayment, so the whole claim is denied as wear and tear.
What we do: We show what the storm did to the tile above and how that let water through. Storm damage and an aging underlayment can both be true.
Older homes and churches need specialty tile and approvals, and the estimate doesn't cover either.
What we do: We price the real material and any historic district requirements, so the scope reflects what it takes to put the roof back the way it was.
Photos from our own inspections. This is the kind of documentation that supports a re-inspection. Results vary; no claim outcome is guaranteed.
A denial letter is the insurer's first answer, not always the final one.
Text a photo of the letter and your roof, or upload them on our contact form. We'll tell you what we see and what your options are.
We go over the whole roof and build a report with photos, measurements and weather data that ties the damage to the storm.
Depending on your policy, your options may include a re-inspection with the adjuster, a supplement, or the appraisal clause. We inspect, document and write the repair scope, and meet the adjuster on the construction scope. SkyView Restoration Group is not a public adjuster or law firm. You may hire any licensed public adjuster or attorney, or none.
Send it to us with a few photos of your roof. A real person on our team will look it over and tell you where you stand. Asking is free. If you later sign a Project Agreement, its fee and cancellation terms are at SkyViewRestore.com/terms.
